New Episode of 2A Ricochet- Carry Insurance- do you need it?

[Mowingmaniac 24/7]

Reading 'the fine print' isn't helpful for me as it may as well be in Swahili!

Me, I would pay the premium if I understood what I was (and not) buying, but 'legalese' is beyond me, thus I have no coverage. If I don't fully understand what I'm buying, I pass...

From what very basic understanding I do have is: It'll cost you (me) less out of pocket if I'm involved in a justifiable self defense shooting.

Since I have almost no way of interpreting legalese, I don't know what specific expenses are covered like 'expert witnesses' or a whole host of unforeseen expenses that may crop up in defending ones-self if God forbid, one ever has to defend ones-self with a gun.

Did I say 'one' often enough?

 

[1911'S 4 Me]

Pick a lawyer of your choice, one you would normally use and keep him/her on retainer.

 

[AndiTurner]

Pick a lawyer of your choice, one you would normally use and keep him/her on retainer.

FWIW, Armed Citizen Network lets you pick your attorney. I have not done a deep dive on this nor am I making any recommendations--just commenting on your post.

 

[Tnhawk]

Pick a lawyer of your choice, one you would normally use and keep him/her on retainer.

The lawyers most of us normally use, probably haven't had experience in representing self defense shootings. I would want to have a lawyer who had extensive work in similar type cases.

 

[toddnjoyce]

…
From what very basic understanding I do have is: It'll cost you (me) less out of pocket if I'm involved in a justifiable self defense shooting…

Therein lies the rub; we say justifiable when we mean “There is a law that permitted my behavior.” If one gets charged, it’s generally politically motivated by an elected DA or the DA thinks they can get a plea or conviction. Where a lawyer can help is to bring to the court those exceptions or defenses to prosecution if a DA charges you. If the situation is tenuous enough to send it to a jury, you probably weren’t within the bounds if the law to begin with.

 

[Otto_Mation]

FWIW, Armed Citizen Network lets you pick your attorney. I have not done a deep dive on this nor am I making any recommendations--just commenting on your post.

When I was comparing the major coverages, I seem to recall that CCW Safe was the only one that would not let you select your own attorney. I didn't look at all of them but that was of the ones that I was considering. There are a lot of websites out there that have compared coverages. Some of them had old information but there is also a lot of useful information.

 

[toddnjoyce]

When I was comparing the major coverages, I seem to recall that CCW Safe was the only one that would not let you select your own attorney. I didn't look at all of them but that was of the ones that I was considering.

USCCA will let you pick your own, but can deny coverage if they disagree with your attorney’s strategy.

 

[1911'S 4 Me]

Most defense attorneys are just as much scum bags as whom they represent.

 

[Otto_Mation]

Most defense attorneys are just as much scum bags as whom they represent.

Until "you" need one.

Sent from my SM-A326U using Tapatalk

 

[seeker_two]

FWIW, Armed Citizen Network lets you pick your attorney. I have not done a deep dive on this nor am I making any recommendations--just commenting on your post.

Any other info on ACLDN?

 

[AndiTurner]

Any other info on ACLDN?

I am not promoting anyone here. But you asked so here's their link: https://armedcitizensnetwork.org/

 

[Tnhawk]

Like flood and earthquake insurance, I'd prefer to have and not need it, than wish I had it after an event occurs.

 

[AndiTurner]

Like flood and earthquake insurance, I'd prefer to have and not need it, than wish I had it after an event occurs.

Kinda like my carry piece...

 

[Tnhawk]

Kinda like my carry piece...

As American Express recommended, I never leave home without their card and a pistol!

 

[AndiTurner]

Right?!

 

[Otto_Mation]

Below is a blog post that compares the major companies that cover legal self defense events. The accompanying video in the post is very informative and played a major role in helping me make a choice. I thought others might find it helpful.

https://www.obsidiandefense.com/uscca-vs-us-lawshield-vs-ccw-safe/

 

[cbp210]

I too am not promoting anyone or organization but based on my research I tend to want to employ an attorney with high success of representing gun owners which is why I decided to obtain Self Defense Fund legal plan. During my conversation with open carry groups many of them choose this organization over others.

Self Defense Fund Protects You When You Are Protecting Yourself

We protect those who protect themselves. Self defense protection with any weapon used such as firearm, bow & arrow, stun gun, pepper spray, knives & more

www.selfdefensefund.com

 

[Byrd666]

Any other info on ACLDN?

I have it. When I was doing my research, a few things from them drove me in their direction. As well as the fact that at the time I joined them, Massad Ayoob was endorsing them and either on the training team, or consulting team, or something similar.

 

[Otto_Mation]

Any other info on ACLDN?

I contacted them and asked if they had any exclusions for an event that involved stopping a violent family member. They got back to me quickly and indicated that they have no such exclusion. They said that legal defense is not guaranteed but conditional upon being a legitimate act or self-defense which is the case for all of these companies. Most of the "insurances" (which ACLDN is not) has such a clause. This would be a deal breaker for me so I was happy to hear this from them. So far the only ones that do not have such a clause that I have found or inquired about is USCCA and ACLDN. I have also noticed that most of them will not cover civil suits. I did not ask ACLDN about that but I know that USCCA does.

ETA: I am also not promoting any specific one of these companies, just passing along info that I have found by talking to them to help others who may be interested. You must do your own research to find which one is best for you.

 

[Axxe55]

I contacted them and asked if they had any exclusions for an event that involved stopping a violent family member. They got back to me quickly and indicated that they have no such exclusion. They said that legal defense is not guaranteed but conditional upon being a legitimate act or self-defense which is the case for all of these companies. Most of the "insurances" (which ACLDN is not) has such a clause. This would be a deal breaker for me so I was happy to hear this from them. So far the only ones that do not have such a clause that I have found or inquired about is USCCA and ACLDN. I have also noticed that most of them will not cover civil suits. I did not ask ACLDN about that but I know that USCCA does.

ETA: I am also not promoting any specific one of these companies, just passing along info that I have found by talking to them to help others who may be interested. You must do your own research to find which one is best for you.

I'm not sure why anyone would need a defense against civil lawsuits in Texas.

Castle doctrine - Wikipedia

en.wikipedia.org

In addition to providing a valid defense in criminal law, many laws implementing the castle doctrine, particularly those with a "stand-your-ground clause," also have a clause which provides immunity from any civil lawsuits filed on behalf of the assailant (for damages/injuries resulting from the force used to stop them). Without this clause, an assailant could sue for medical bills, property damage, disability, and pain & suffering as a result of the injuries inflicted by the defender; or, if the force results in the assailant's death, his/her next-of-kin or estate could launch a wrongful death suit. Even if successfully rebutted, the defendant (the homeowner/defender) would still have to pay high legal costs leading up to the suit's dismissal. Without criminal/civil immunity, such civil action could be used as revenge against a lawfully acting defender (who was, originally, the assailant's victim).